Filings through Sep 24, 2026.

Retirement plan

E Mortgage Funding, LLC 401(k) Profit Sharing Plan

Name: E MORTGAGE FUNDING, LLC - E MORTGAGE FUNDING, LLC 401(K) PROFIT SHARING PLAN (2024) Form 5500
Creator: E MORTGAGE FUNDING, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, E MORTGAGE FUNDING, LLC 401(K) PROFIT SHARING PLAN, E MORTGAGE FUNDING, LLC

E Mortgage Funding, LLCEIN 46-2337736Plan #001PY 2024

888 W BIG BEAVER RD, SUITE 1290 - TROY, MI 48084248-752-0902

Prospect flagsLow returnsLow assets / participantLow participant contributionLow fidelity bondCorrective distributionsPossible retail share class: $1.4MFew collective trustsFund lineup: 2 funds, $1.7M

How to read this page

Total assets (EOY)

$1.9M

+30.3% from 2023

Total participants

384

+87.3% from 2023

Average account balance

$5,468

-32.0% from 2023

Annual return

9.78%

-4.00 pp from 2023

Benchmarks

See 2,180 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,180 peers

Snapshot2024

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Analytics

See the 10-year trajectory with Solo.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
MERRILL LYNCH PIERCE FENNER & SMITH1 year Service code 52 · EIN 13-5674085	Indirect Investment Fees	$8,325
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745	Recordkeeping	$1,569
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984	Other Services	$0

Fund lineup

CSV with Pro

2 funds of $250K or more; 16 lines in all, holding $1.7M of the plan's $1.9M. From the 2024 filing. Recordkeeper: ADP.

In collective trusts0%median 0% for plans under $5M (6,400 plans)

In index funds0%median 17% for plans under $5M (6,400 plans)

In the main target-date series0%median 35% for plans under $5M (6,400 plans)

Employer stockNo

Fund	Manager	Vehicle	Dollars	% of funds%
Columbia Balanced Fund Class A Ameriprise (Columbia Threadneedle) · Mutual fund Possible retail class A	Ameriprise (Columbia Threadneedle)	Mutual fund	$528K	31.1%
JPMorgan Large Cap Growth Fund Class R3 JPMorgan · Mutual fund Possible retail class R3	JPMorgan	Mutual fund	$259K	15.3%
JPMorgan U.S. Equity Fund Class R3 JPMorgan · Mutual fund Possible retail class R3	JPMorgan	Mutual fund	$142K	8.4%
Invesco Value Opportunities Fund Class A Invesco · Mutual fund Possible retail class A	Invesco	Mutual fund	$106K	6.3%
Virtus Ceredex Large-Cap Value Equity A Virtus · Other	Virtus	Other	$96K	5.7%
Columbia Contrarian Core Fund Class A Ameriprise (Columbia Threadneedle) · Mutual fund Possible retail class A	Ameriprise (Columbia Threadneedle)	Mutual fund	$92K	5.4%
Aberdeen Emerging Markets Ex-China Fund Manager not matched · Mutual fund	Not yet matched	Mutual fund	$92K	5.4%
Invesco Small Cap Equity Fund Class A Invesco · Mutual fund Possible retail class A	Invesco	Mutual fund	$82K	4.9%
AEW Global Focused Real Estate A Manager not matched · Other	Not yet matched	Other	$82K	4.8%
JPMorgan Emerging Markets Equity Fund Class R3 JPMorgan · Mutual fund Possible retail class R3	JPMorgan	Mutual fund	$64K	3.8%

See the other 6 lines in this lineup with Solo.

Covers 60,908 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

5 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$2K

$7 / participant

Recordkeeping$2K100.0%

% of EOY assets

0.084%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: DOEREN MAYHEW ASSURANCE
Auditor EIN: 382492570
Audit fees: (not subdivided)
Opinion code: Unqualified

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Provider

Service type

Compensation

MERRILL LYNCH PIERCE FENNER & SMITH1 year

Service code 52 · EIN 13-5674085

Indirect Investment Fees

$8,325

ADP BROKER-DEALER1 year

Filed as: ADP, INC.

Service code 15 · EIN 13-3036745

Recordkeeping

$1,569

ADP BROKER-DEALER1 year

Service code 49 · EIN 22-3319984

Other Services

Fund

Dollars

% of funds%

Columbia Balanced Fund Class A

Ameriprise (Columbia Threadneedle) · Mutual fund

Possible retail class A

$528K

31.1%

JPMorgan Large Cap Growth Fund Class R3

JPMorgan · Mutual fund

Possible retail class R3

$259K

15.3%

JPMorgan U.S. Equity Fund Class R3

JPMorgan · Mutual fund

Possible retail class R3

$142K

8.4%

Invesco Value Opportunities Fund Class A

Invesco · Mutual fund

Possible retail class A

$106K

6.3%

Virtus Ceredex Large-Cap Value Equity A

Virtus · Other

$96K

5.7%

Columbia Contrarian Core Fund Class A

Ameriprise (Columbia Threadneedle) · Mutual fund

Possible retail class A

$92K

5.4%

Aberdeen Emerging Markets Ex-China Fund

Manager not matched · Mutual fund

$92K

5.4%

Invesco Small Cap Equity Fund Class A

Invesco · Mutual fund

Possible retail class A

$82K

4.9%

AEW Global Focused Real Estate A

Manager not matched · Other

$82K

4.8%

JPMorgan Emerging Markets Equity Fund Class R3

JPMorgan · Mutual fund

Possible retail class R3

$64K

3.8%

E Mortgage Funding, LLC 401(k) Profit Sharing Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

E Mortgage Funding, LLC 401(k) Profit Sharing Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion